† Offer begins on October 1, 2018 at 12:01 am (ET) and ends on January 31, 2019 at 11:59 pm (ET). Offer only open to Canadian residents (i) who have reached the age of majority; (ii) who are not holders or joint holders of a CIBC chequing account and; (iii) who have not previously received a CIBC chequing account promotional offer from 2015 to present time.
To qualify, open a CIBC Smart™ Account online and provide a valid email address. Next, within 3 calendar months, you must set up and complete within the CIBC Smart Account at least one (1) eligible recurring direct deposit OR at least two (2) different eligible recurring pre-authorized debits within the same calendar month.
Offer can be combined with other CIBC offers that consist of an Amazon Prime Code. Offer cannot be combined with any other offer, reward or rebate except the CIBC Homeowner® Banking Bundle or the CIBC Smart™ Account fee waiver. CIBC will send the Amazon Prime Code to the email address you provide within 12-16 weeks of your completion of the required transactions. Other conditions apply. For full offer details, visit a CIBC Banking Centre or review the terms and conditions (PDF, 50 KB) .
Offer subject to change. Amazon Prime has a CAD$79/year value. Amazon is not a sponsor of this promotion. All Amazon ®, TM & © are IP of Amazon.com, Inc. or its affiliates.
Amazon Prime is a registered trademark of Amazon Technologies, Inc. Used under license.
‡ The bonus and regular rates may change at any time without prior notice. The regular interest rate is earned on the full daily closing balance when the balance is $5,000 or more. For eSA accounts opened before the offer period, the bonus rate is earned on the portion of the account’s daily closing balance that exceeds the closing balance as at October 15, 2018 (the “New Balance”) up to a New Balance limit of $5,000,000. For eligible eSA accounts opened during the offer period, the bonus rate is earned on the full daily closing balance up to a balance limit of $5,000,000. Bonus interest rate offer expires March 31, 2019. Interest is calculated daily and paid monthly. Other conditions apply. For more information, review the terms and conditions (PDF, 30 KB) .
1 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee.
2 Entire monthly fee is waived if you maintain a minimum end of day balance of $3,000 each day and a recurring direct deposit or 2 pre-authorized payments each month in this account. For details, review the CIBC Smart Account fee waiver terms and conditions, part of the Personal account service fees (PDF, 535 KB)
3 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC PremierService Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account) and transactions in currency (including cheques written in currencies other than the account currency).
4 Any free or unused transactions cannot be carried forward for use in subsequent months.
5 Regular interest (“Regular Interest”) is calculated daily at the current rate on each day’s full closing balance and paid monthly. The regular interest rate is paid on the full daily closing balance when the balance is $5,000 or more.
Interest is credited to your account as of the last business day in the interest period. However, the interest cannot be withdrawn, and will not be printed at branch terminals or at CIBC's Bank Machines or made available through CIBC Telephone or Online Banking, until two business days after the end of the interest period.
Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice.
If you have any questions about our interest rates, call 1-800-465-2422, or come into your local CIBC branch today to open an account.
6 Subject to credit approval.